Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria as per bank policy. It'll be different small amount to get checque book.

Special Benefits under PMJDY Scheme :

Accidental insurance cover of Rs.1.00 lac

Life insurance cover of Rs.30,000/-

Interest on deposit.

Easy Transfer of money across India

No minimum balance required.

Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.

After satisfactory operation of the account for 6 months, an overdraft facility will be permitted

Access to Pension, insurance products.

Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.

Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.

-For More Information Call on India National Toll Free No or Visit Official Site :